Download Security Matters: How Instability in Health Insurance Puts U.S.

SECURITY MATTERS:
HOW INSTABILITY IN HEALTH INSURANCE
PUTS U.S. WORKERS AT RISK
FINDINGS FROM THE COMMONWEALTH FUND
2001 HEALTH INSURANCE SURVEY
CHARTS
One of four adults—38 million—was uninsured
during the past year.
Uninsured When
Surveyed
15%
Insured All Year
76%
Insured Now,
Time Uninsured
in Past Year
9%
161.3 Million Adults Ages 19–64
Most uninsured adults have low family incomes.
$20,000–
$34,999
19%
Less than
$20,000
56%
$35,000–
$59,999
12%
Unknown
11%
Less than
$20,000
44%
$35,000–
$59,999
22%
$60,000
or More
2%
Unknown
8%
Uninsured Now
23.8 million
$20,000–
$34,999
19%
$60,000 or More
7%
Insured Now,
Time Uninsured in Past Year
14.5 million
Length of Time Uninsured, Adults Ages 19–64
Don’t Know
2%
3 Months
or Less
11%
4 to 11
Months
12%
1 Year
or More
75%
Uninsured Now
Don’t Know
1%
1 Year
or More
25%
3 Months
or Less
36%
4 to 11
Months
38%
Insured Now,
Time Uninsured in Past Year
Nearly half of low-income adults were uninsured
during the year as of July 2001.
Uninsured now
Insured now, time uninsured in past year
49%
50%
46%
16%
16%
28%
25%
24%
11%
9%
33%
13%
17%
15%
0%
Total
Less than
$20,000
$20,000–
$34,999
30%
7%
6%
4%
3%
$35,000–
$59,999
$60,000 or
More
12%
6%
6%
Below
200%
Poverty
200%
Poverty or
More
Young adults and Hispanics are at high risk for
being uninsured.
Uninsured now
Insured now, time uninsured in past year
50%
45%
39%
15%
12%
26%
27%
10%
13%
25%
24%
16%
16%
14%
6%
5%
10%
9%
40–49
Years
50–64
Years
33%
19%
8%
14%
11%
0%
19–29
Years
30–39
Years
Hispanic
Black
White
Why are you uninsured now? Why were you
uninsured earlier in the year?
50%
Uninsured now
Insured now, time uninsured in past year
45%
30%
29%
25%
26%
19%
14%
15%
14%
7%
1%
0%
Too
Expensive,
Can't Afford
Lost or
Employer
Do Not Need
Changed Jobs Does Not Offer
Insurance
or Ineligible
Other
Most uninsured workers are not offered or
eligible to participate in job-based coverage.
Don’t Know
4%
Offered, Don’t
Know If Eligible
3%
Offered and
Eligible
22%
Employer Offers,
But Not Eligible
to Participate
11%
Employer Doesn’t
Offer Health Plan
60%
Currently Uninsured Working Adults Ages 19–64
Adults with any time uninsured in the past year are two to
four times more likely to have access problems than those
insured all year.
Percent of adults who went without needed care in the past year due to cost
Uninsured now
Insured now, time uninsured in past year
Insured all year
60%
55%
52%
43%
40%
35%
34%
30%
27%
25% 26%
31%
21%
20%
13%
7%
9%
10%
0%
Did Not Fill a
Prescription
Did Not See
Skipped Medical
Specialist When Test, Treatment,
Needed
or Follow-Up
Did Not See
Doctor When
Sick
Any of the Four
Access Problems
Over half of adults uninsured during the year
had problems paying medical bills.
Uninsured now
Insured now, time uninsured in past year
60%
Insured all year
56% 55%
50%
44%
36% 37%
40%
31%
27%
20%
17%
24%
15%
9%
0%
Unable to Pay
Medical Bills
Any of the Three
Had to Change
Contacted by
Medical Bill
Collection Agency Way of Life to Pay
Problems
Medical Bills
Financial Insecurity Due to Medical Bills
Among Adults Ages 19–64
Total
Uninsured Now
Insured Now,
Time Uninsured in Past
Year
13%
27%
31%
9%
Used all or most of savings
70
70
76
68
Borrowed money from family or
friend
58
64
70
49
Unable to pay for basic necessities
54
55
61
51
Needed loan or mortgage home
23
27
26
19
Had to change way of life to pay bills
Insured All Year
Ways adults had to change life
Difficulty Meeting Basic Needs Within Last Year
Percent of adults reporting:
Uninsured now
Insured now, time uninsured in past year
Insured all year
60%
40%
40%
39%
22%
24%
20%
12%
7%
0%
Could Not Pay for Basic Living Costs,
Such as Food, Rent, Heating or
Electric Bills
No Telephone Service for at Least
Two-Week Period
More than one of four uninsured adults had to
pay cash in advance for medical care.
Percent of adults who had to pay cash in advance for medical care
30%
27%
29%
17%
14%
15%
0%
Total
Uninsured Now
Insured Now,
Time Uninsured
in Past Year
Insured All Year
Regular Source of Care and Doctor Ratings,
by Insurance Status, Adults Ages 19–64
Total
Uninsured Now
Insured Now, Time
Uninsured in Past Year
Insured All Year
Have regular doctor you
rely on for care
76%
42%
69%
84%
With current source of
care five years or more
51%
38%
35%
55%
67%
43%
63%
72%
Good
23%
33%
28%
20%
Only fair or poor
8%
18%
7%
6%
Rating of quality of physician care
Excellent or very good
Thinking about your future medical care needs, how confident
are you that you will be able to get high-quality health care
when you need it?
Don’t Know
2%
Not at All
Confident
10%
Very
Confident
32%
Not Too
Confident
15%
Somewhat
Confident
41%
Adults Ages 19–64
Low-income adults ages 19 to 64 are more likely to lack
confidence they will get high-quality care when needed.
Percent of adults not too or not at all confident about getting high-quality care
40%
36%
26%
25%
22%
20%
16%
0%
Total
Less than
$20,000
$20,000–
$34,999
$35,000–
$59,999
$60,000 or
More
Adults with any time uninsured lack confidence in
their ability to get high-quality care when needed.
Percent of adults not too or not at all confident about getting high-quality care
60%
47%
40%
31%
25%
20%
20%
0%
Total
Uninsured Now
Insured Now,
Time Uninsured
in Past Year
Insured All Year
Lack of insurance for any family member increases family
risk of financial insecurity due to medical bills.*
All Uninsured
Now
Some Insured, Some
Not Insured
All Continuously
Insured
4%
23%
73%
25
58
47
16
Contacted by collection agency for
medical bills
22
44
38
15
Had to change way of life
significantly to pay bills
14
37
27
9
At least one of three types of
medical bill problems
33
62
56
25
Total
Total adults with families
Financial Experiences
Medical bill problems in past year
Not able to pay medical bills
* Based on adults ages 19–64 who are married and/or have a child/children.
Low-income workers are much less likely to have
employer-based insurance coverage.
Percent of workers who have employer-based insurance
100%
90%
86%
85%
75%
74%
75%
50%
24%
40%
48%
28%
25%
13%
12%
4%
0%
Total
Less than
$20,000
$20,000–
$34,999
$35,000– $60,000 or
$59,999
More
Below
200%
Poverty
200%
Poverty or
More
Working adults with low incomes are much more
likely to experience access or medical bill problems.
Percent of workers who had an access or bill problem in the past year
59%
57%
60%
52%
40%
40%
35%
28%
32%
24%
20%
0%
Total
Less than $20,000– $35,000– $60,000 or
$20,000 $34,999 $59,999
More
Below
200%
Poverty
200%
Poverty or
More
Lower-income workers are at risk for access and
medical bill problems, if uninsured.
Percent of workers who had the following problems in the past year due to cost
60%
Lower-income* uninsured
Lower-income insured**
Higher-income insured
50%
39%
40%
33%
30%
27%
22%
20%
18%
16%
10%
11%
9%
5%
11%
6%
6%
0%
Did Not Fill a
Prescription
Did Not See
Skipped Medical
Specialist When Test, Treatment,
Needed
or Follow-Up
Did Not See
Doctor When
Sick
Not Able to Pay
Medical Bills
* “Lower-income” is defined as having annual family income of less than $35,000.
** “Insured” is insured all year.
Likely COBRA Eligibility of Workers Ages 19–64
Other Insurance
12%
Ineligible
for
COBRA
Uninsured
13%
ESI*
Small Firm
10%
COBRA-Eligible
ESI Firm > 25
Employees**
65%
* Employer-sponsored insurance coverage.
** The survey defines small firms as having fewer than 25 employees; thus, the analysis may
underestimate COBRA eligibility.
COBRA Eligibility
Working Adults, Ages 19–64
Other Insurance
8%
Uninsured
6%
Other Insurance
20%
COBRAEligible
40%
ESI
Small Firm
11%
COBRA-Eligible
75%
Uninsured
32%
ESI*
Small Firm
8%
Below 200% Poverty
* Employer-sponsored insurance coverage.
200% Poverty or More
Reports on Individual Market Experiences
Base: Adults who have bought or tried to buy
individual insurance in the past three years
Total
19–29
30–39
40–49
50–64
27
33
30
26
21
Very/somewhat difficult
or impossible
52
54
54
49
51
Not too/not at all difficult
38
36
38
41
36
Very/somewhat difficult
or impossible
69
64
74
71
71
Not too/not at all difficult
23
27
23
21
21
Did not end up buying a plan
71
73
72
69
69
Percent in individual market
in the past three years
How difficult was it to find a plan with the type of
coverage you needed?
How difficult was it to find a plan
you could afford?
Adults with employer-sponsored plans think employers
generally do a good job of selecting quality health plans.
Percent of adults with employer-based coverage who said employers:
Don’t Know
3%
Do a Mixed Job
10%
Do a Bad Job
13%
Do a Good Job
74%
If your employer stopped offering coverage, how
confident are you that you would be able to find an
affordable health plan that meets your needs?
Percent with employer-based coverage who said:
Very Confident
18%
Somewhat
Confident
29%
Not at All
Confident
26%
Not Too
Confident
21%
Preferences About Potential Changes in
Employer Coverage Arrangements
Adults with Employer-Sponsored Insurance
If you could get a tax credit of ($1,000 for
single/$2,500 for family), would you DROP
the employer plan and get insurance on
your own, or would you KEEP the employer
plan and give up the tax credit?
Some employers are thinking of giving
the money they pay for health insurance
directly to employees so employees can
buy insurance on their own. Which would
you prefer?
Don’t Know
5%
Get Employer
Contribution;
Buy Own Plan
17%
Depends
13%
Take Tax
Credit;
Drop Plan
19%
Keep
Employer
Plan
68%
Continue
with
Employer
Plan
78%
Adults with employer-based coverage generally prefer
keeping it. But younger adults are somewhat more
likely to consider taking an option to leave group plans.
Alternative insurance arrangements
Total
19–29
30–39
40–49
50–64
DROP employer plan for tax credit
19
26
20
17
14
KEEP employer plan
68
61
65
68
76
Take contribution and find own plan
17
22
19
15
13
Continue with employer plan
78
73
75
79
82
Get a tax credit ($1,000/single; $2,500/family) to get insurance
on your own
Percent very or somewhat likely to:
Employer gives money for insurance directly to employees
to buy coverage on their own
Percent with preference to
Of those with employer coverage, interest in dropping
this coverage for a tax credit* to purchase insurance on
one’s own is low overall, but declines with income.
Percent who are very or somewhat likely to… ...if offered a tax credit:
Keep employer plan
Drop coverage; take tax credit
90%
68%
64%
58%
60%
73%
69%
30%
30%
21%
19%
21%
14%
0%
Total
Less than
$20,000
* $1,000/single; $2,500/family.
$20,000–
$34,999
$35,000–
$59,999
$60,000 or
More
Those with employer coverage generally prefer continuing
this coverage over getting an employer contribution to find
their own plan.
Percent who prefer to…
Keep employer plan
90%
78%
Get contribution and find own plan
84%
78%
75%
69%
60%
30%
26%
17%
17%
19%
$20,000–
$34,999
$35,000–
$59,999
13%
0%
Total
Less than
$20,000
$60,000 or
More
Support for Proposals to Expand
Health Insurance Coverage
Percent of adults in favor of:
Total
Letting uninsured adults participate in state government
insurance programs that are for people with low income
82%
Letting uninsured adults participate in Medicare
77%
Offering tax credits or other financial assistance to help
people buy health insurance on their own
81%
Requiring all businesses to contribute to the cost of
health insurance for their employees
82%